1 - Achievement of all Sales Targets & Growth
1. Sell, promote and Market the Banks Products and ensure that the following is achieved:
2. Retention of existing clients
3. Acquisition of new clients
4. Reactivation of dormant client
5. Achieve Sales Target as set by Management

2 - Performance of Sales Activities
1. Promote and sell new products as the Bank introduce same from time to time
2. Phone clients for sales (Tele-Sales)
3. Generate Sales Leads
4. Follow up and make appointments with prospective clients
5. Follow up on status of workflow and applications being processed
6. Keep the client informed at all times with regards to the loan application status

3 - Application Administration and Costs
1. Capturing of Loan Applications
2. Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
3. Accurately capture all client information as per loan application and supporting documentation
4. Suspend or reject loan applications to be re-quoted as and when required. Explain the Loan Application Process to facilitate client understanding of the process
5. Explain Terms and Conditions of Banks Products to clients
6. Issue copy of Contract / Agreement to Client
7. Print loan agreement for client’s signature
8. Correct altered loan application information sent for rework and reprint for client’s signature

4 - Sales Focus- Achieve branch growth, revenue and expense targets as defined by the bank
1. Maintain responsibility for the branches Profit & Loss and Budget
2. Determine the critical success factors for new customer acquisition and customer retention
3. Demonstrate expert ability to leverage the banks products inclusive of technology offerings to uncover and deepen opportunity, using the various marketing tools available in branch to present product offers and financial solutions to existing and potential customers
4. Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
5. Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
6. Develop and execute market plan to achieve growth goals
7. Ownership for sales life cycle-from lead generation to disbursement
8. Engage in and promote all sales activities i.e. Check-Ins, Huddles
9. Responsible for day to day sales activities inside and outside the branch
10. Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
11. Ensure all staff achieve individual sales and service goals as assigned
12. Work to maximise customer relationships across business lines
13. Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
14. Develop existing business relationships and prospect within the community for new commercial business
15. Maintain consistency and integrity of data
16. Provides direction, guidance and quality assurance to Reps Under Supervision

5 - Risk & Compliance Management
1. Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
2. Identify, evaluate and monitor and make recommendations deemed necessary to the respective risk and compliance champion in order to assess, reduce, eliminate or control any current or prospective risks to the bank arising from violations of, or non-conformance with, laws, rules, regulations, prescribed practices, internal policies, procedures and ethical standards
3. Responsible for implementing strategies to ensure operational integrity in the branch
4. Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
4.1. Cash Management
4.2. People Management
4.3. Security Management
4.4. Asset Management
4.5. Compliance (NCA, Regulatory and Credit Policy)
4.6. General Operations
4.7. Risk Management
5. Ensure completion of Monthly Branch Self Audit Programme
6. Ensure Disaster Recovery capturing on monthly basis
7. Ensure OHS checklist completion and filing
8. Ensure quality assurance related to sound Manager Review practices
9. Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
10. Ensure Non Deal Excellence is managed within limits as set by the Bank
11. Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
12. Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6 - People Management and Development
1. Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
2. Working with HR, interview, hire and terminate branch team members
3. Conduct performance evaluations for all branch personnel
4. Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
5. Identify and work with High Potential branch staff in the achievement of their developmental goals
6. Create a feeling of energy and excitement among team players. Promote the corporate vision and values
7. Ensure 100% participation and support for all staff on Bank training and developmental initiatives
8. Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

7 - Customer Service
1. Create and maintain productive relationships with internal and external clients by providing advice and assistance
2. Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
3. Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
4. Build a positive image by exceeding client expectations at all times 5. Treat internal and external customers fairly at all times

 Treating Customers Fairly and Compliance

 ? Create and maintain productive relationships with internal and external clients by providing advice and assistance
? Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations
? Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings
? Build a positive image by exceeding client expectations at all times
? Treat internal and external customers fairly at all times

Management of Resources

 ? Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
? Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
? Take appropriate disciplinary measures as required
? Facilitate induction of new staff within one month of joining the organization 

Tax planning and strategy

 ? Develop and implement tax planning strategies to minimize tax liabilities while staying compliant with applicable tax laws and regulations
? Analyse business transactions, investments, and corporate structures to optimise tax efficiency and support financial objectives
? Develop and implement transfer pricing policies that comply with local regulations and global guidelines, ensuring proper documentation and arm's length pricing of intra-group transactions
? Ensure Tax Planning for the Group and all the business units
? Identify, assess, and manage tax risks, including potential exposures related to tax laws, regulations, and changes in business operations
? Implement controls and processes to mitigate tax-related risks
? Communicate tax strategies, risks, and implications to senior management, the board of directors, and stakeholders

Tax compliance and reporting

 ? Ensure accurate and timely preparation, filing, and submission of all tax returns, including income tax, VAT, transfer pricing documentation, and other applicable taxes
? Oversee tax provision calculations and reporting for financial statements in accordance with relevant accounting standards
? Leverage tax technology solutions and automation tools to enhance tax processes, improve accuracy, and streamline reporting and compliance
? Ensure ethical tax practices and compliance with internal governance and ethical standards in all tax-related activities
? Manage tax audits, inquiries, and disputes with tax authorities by coordinating responses, providing documentation, and negotiating settlements
? Identify opportunities to enhance tax processes, reporting, and compliance through continuous improvement initiatives
? Stay updated on changes in tax laws, regulations, and international tax developments that may impact the organization's tax position

Mergers, acquisitions, and transactions

 ? Provide tax due diligence and structuring support for mergers, acquisitions, divestitures, joint ventures, and other business transactions
? Evaluate tax implications and risks associated with different transaction structures
? Collaborate with other departments, such as legal, operations, and compliance, to ensure tax considerations are integrated into business decisions
? Conduct thorough tax due diligence to assess the target Groups historical tax positions, compliance status, potential tax exposures, and tax attributes 
? Identify any existing or potential tax liabilities that could impact the transaction's valuation and structure
? Evaluate transfer pricing arrangements between related entities involved in the transaction to ensure compliance with arm's length principles and local regulations
? Develop a tax-efficient integration or restructuring plan to align the merged or acquired entities with the buyer's existing structure and operations
? Ensure compliance with regulatory requirements related to tax filings, approvals, and notifications required for transactions
? Review and address the tax implications of employee benefits, stock options, and other compensation arrangements for the Group

VAT optimisation

 ? Conduct strategic planning and oversight to ensure that the Group effectively manages its VAT liabilities, maximizes VAT recovery, and maintains compliance with relevant tax regulations
? Establish robust processes for documenting and tracking eligible input VAT on business expenses to ensure accurate VAT recovery
? Provide guidance on structuring business transactions, contracts, and agreements to optimize VAT treatment and minimize VAT costs
? Analyse and optimise VAT treatment for cross-border transactions, ensuring compliance with place of supply rules and VAT regulations
? Evaluate eligibility for VAT exemptions, zero-rating, and special schemes that may apply to specific goods, services
? Strategically plan capital expenditures to optimise VAT recovery on purchases of assets, property, and equipment
? Collaborate with procurement and vendor management teams to ensure that suppliers provide accurate VAT documentation and invoices
? Conduct regular internal audits and reviews of VAT processes to identify areas for improvement, enhance accuracy, and prevent errors
? Incorporate VAT implications into financial forecasts and budgets to ensure accurate planning and allocation of VAT-related costs
? Stay updated on changes in VAT laws, regulations, and reporting requirements, and adapt VAT strategies accordingly
? Provide clear and transparent communication of VAT-related activities, risks, and opportunities to senior management and stakeholders

Managing capital gains

 ? Oversee the Groups investment portfolio and monitor capital gains and losses generated from the buying and selling of securities
? Ensure accurate calculation of capital gains and losses for securities and other financial instruments held by the group
? Develop and implement tax-efficient investment strategies to optimise capital gains tax liabilities for the Group and its clients
? Provide financial insights and analysis to guide trading and investment decisions, considering potential capital gains implications
? Ensure compliance with tax laws and regulations related to capital gains reporting, withholding taxes, and documentation
? Advise the Group on the potential capital gains tax implications of investment decisions and transactions
? Analyse and manage the capital gains tax implications of cross-border investments and transactions
? Identify and manage potential risks associated with capital gains tax calculations, reporting, and investment decisions

Stakeholder communication

 ? Communicate tax-related insights and implications to relationship managers for effective client advisory
? Engage with tax authorities to address inquiries, provide necessary documentation, and respond to audits or assessments for the group
? Facilitate communication with external auditors to provide necessary information for tax-related audits
? Participate in industry forums and conferences to stay informed about tax trends, best practices, and regulatory changes
? Ensure clear and transparent reporting of tax-related activities, strategies, and outcomes in internal and external financial reports
? Utilise technology platforms for efficient data sharing, reporting, and communication of tax-related information